Every American With a 401(k) Has Until End of 2026 to Do This — The Window Closes Permanently

Описание: Are you 50 or older and still contributing to a 401(k)? A major IRS rule change takes full effect on January 1, 2027 — and December 31, 2026 is the absolute deadline for high earners to make pre-tax catch-up contributions one last time. After that, the window closes permanently.

In this video, Senior Policy Analyst June breaks down the Mandatory Roth Catch-Up Rule under Section 603 of the SECURE 2.0 Act, finalized by the IRS in September 2025. If you earned more than $150,000 in 2025 from your 401(k) plan sponsor, 2026 is your final calendar year to capture the immediate tax deduction on your catch-up contribution. Miss this window, and every catch-up dollar you contribute starting in 2027 must be after-tax Roth — for life.

We cover:

The exact wage threshold that triggers the Roth-only rule
The 2026 contribution limits, including the $11,250 super catch-up for ages 60–63
The six most common mistakes high earners are making right now
The three specific steps you must take before December 31, 2026
What happens if your 401(k) plan does NOT offer a Roth feature
How the IRS final regulations protect you — and where they don't
All facts in this video are sourced directly from IRS.gov, the U.S. Treasury Final Regulations (IR-2025-91), IRS Notice 2025-67, AARP.org, and the Internal Revenue Code.

This video is for educational purposes only and is not personal tax, legal, or financial advice. Please consult a licensed tax professional or fee-only financial advisor before making decisions about your retirement plan contributions.

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